Purchase Originations
712
Ranked #496 nationally
Median Total Costs
$8,029
+20.2% vs national ($6,680)
↓ $90 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↑ 0.125% vs prior year
Median Origination
$3,431
Median Lender Credits
$1,004
Cost Rank (500+ vol.)
#440
among lenders with 500+ originations
Denial Rate
5.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 364 | 6.875% | $6,107 | $3,432 |
| fha | 263 | 6.750% | $11,883 | $3,428 |
| va | 77 | 6.375% | $10,374 | $3,424 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 260 | 6.750% | $10,680 | #124 |
| Iowa | 136 | 6.625% | $6,419 | #50 |
| Minnesota | 37 | 6.875% | $5,858 | — |
| Illinois | 36 | 6.750% | $10,013 | — |
| Ohio | 29 | 7.000% | $6,315 | — |
| Washington | 28 | 6.875% | $9,175 | — |
| Hawaii | 26 | 5.990% | $12,750 | — |
| Texas | 26 | 6.750% | $9,402 | — |
| Idaho | 21 | 6.625% | $9,326 | — |
| Alabama | 19 | 6.750% | $7,158 | — |
| Tennessee | 16 | 6.562% | $11,509 | — |
| Mississippi | 12 | 6.625% | $8,496 | — |
| Maryland | 11 | 6.750% | $10,860 | — |
| Nevada | 10 | 6.625% | $5,688 | — |
| Indiana | 6 | 7.250% | $4,570 | — |
| Wisconsin | 6 | 6.933% | $3,658 | — |
| Florida | 5 | 6.750% | $7,394 | — |
| Montana | 5 | 6.490% | $5,115 | — |
| Arizona | 4 | 6.875% | $9,056 | — |
| Oregon | 4 | 6.808% | $6,671 | — |
| Wyoming | 4 | 6.375% | $14,048 | — |
| Georgia | 3 | 6.625% | $13,988 | — |
| District of Columbia | 2 | 6.808% | $9,789 | — |
| Colorado | 1 | 6.625% | $12,391 | — |
| Louisiana | 1 | 6.125% | $10,121 | — |
| Michigan | 1 | 7.000% | $4,422 | — |
| New York | 1 | 6.125% | $9,008 | — |
| Pennsylvania | 1 | 7.125% | $12,382 | — |
| Utah | 1 | 5.750% | $10,012 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,303 | 7.062% | — | 10 | −$2,726 | |
| 2 | $5,626 | 6.875% | — | 20 | −$2,403 | |
| 3 | $5,694 | 6.750% | — | 9 | −$2,335 | |
| 4 | $6,110 | 6.625% | — | 77 | −$1,919 | |
| 5 | $6,608 | 6.933% | — | 8 | −$1,421 | |
| 6 | $6,714 | 6.625% | — | 47 | −$1,315 | |
| 7 | $7,889 | 6.750% | — | 12 | −$140 | |
| 8 | $8,026 | 6.875% | — | 15 | −$3 | |
| 9 | $9,046 | 6.625% | — | 13 | +$1,017 | |
| 10 | $9,581 | 6.875% | — | 11 | +$1,552 | |
| 11 | $9,637 | 6.688% | — | 8 | +$1,608 | |
| 12 | $10,214 | 6.750% | — | 23 | +$2,185 | |
| 13 | $10,824 | 6.875% | — | 40 | +$2,795 | |
| 14 | $10,854 | 6.750% | — | 19 | +$2,825 | |
| 15 | $11,734 | 6.375% | — | 9 | +$3,705 | |
| 16 | $11,868 | 6.990% | — | 9 | +$3,839 | |
| 17 | $13,012 | 6.750% | — | 17 | +$4,983 | |
| 18 | $14,070 | 6.990% | — | 17 | +$6,041 | |
| 19 | $15,468 | 5.933% | — | 22 | +$7,439 | |
| 20 | $18,265 | 6.933% | — | 16 | +$10,236 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Land Home Financial Services, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $8,029 | $7,127 | +$902 (+12.7%) |
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.